Dental & Vision Insurance

Lets Talk Dental & Vision Insurance

Vision and dental insurance can come from different options. Some health insurance plans cover dental or vision plans. This would be included in the cost of your health insurance premium. This option could be bought through employer plans or individual health insurance plans. Another option would be standalone vision or dental plans. These plans would be sold separately l from your health insurance plan. For Medicare eligible consumers some Medicare advantage plans may include the vision and dental.

Typically health insurance plans that include vision or dental may have a different benefit structure compared to plans that are standalone individual plans. Some plans combine both the vision and dental together. It is important to review the benefits on these plans as they may differ from some standalone plans or plans coved by your medical insurance. It is important to make sure your doctor accepts the vision or dental plan that your choose.

What Type of Plans Are There?

Traditional plans are similar to health insurance plans. You have a premiums that are due monthly, quarterly or annual. These plans may include a deductible, copayments or coinsurance. These plans can either be a HMO plan in which you must choose a primary dentist or a PPO where you have the freedom of choice of dentist. Another option would be indemnity plans which would reimburse the customer for services once the claim is submitted.

Vision Insurance

Vision insurance helps cover cost for eye exams, contact lens, eyeglasses and other benefits. This insurance can help aid some of the cost associated with exams, prescriptions, treatments or reimbursement of eyewear. Most health insurance plans do not cover vision insurance unless it is a medical condition. The benefits vary by insurance carrier so it is best that talk to someone about your insurance plan prior to signing up. We can help you navigated through your options. Give a license agent at Caise Benefits a call.

Dental Insurance

Dental Insurance helps with most of the costs associated with your dental visits. Most dental plans cover on a 100-80-50 baisis. Meaning that your preventive visits would be covered at 100 percent, class ll services (fillings, repairs) would be covered at 80 percent, Class lll services would usually be covered at 50 percent (major work, bridges, crowns). Many of the dental plans have waiting periods that apply to class ll and class lll services. These waiting periods vary by insurance carrier and product type. A licensed agent at Caise Benefits can help you choose a dental plan today.

Dental Insurance

Dental Insurance helps with most of the costs associated with your dental visits. Most dental plans cover on a 100-80-50 baisis. Meaning that your preventive visits would be covered at 100 percent, class ll services (fillings, repairs) would be covered at 80 percent, Class lll services would usually be covered at 50 percent (major work, bridges, crowns). Many of the dental plans have waiting periods that apply to class ll and class lll services. These waiting periods vary by insurance carrier and product type. A licensed agent at Caise Benefits can help you choose a dental plan today.